Here are some of the top things that would make a real difference:

Re-mortgage – ensure that you are not paying the lenders standard variable rate and if you are coming to the end of a special deal period make sure you are ready and re-mortgage as soon as you can, if appropriate.

Pay off Debts – after Christmas many people have over extended themselves on credit cards for example and putting a plan in place to reduce and pay off the balances is vital.

Get Protected – make this the year that you ensure that if anything happened to you or your loved ones your family and their standard of living would be protected.

Review your retirement plans – it is never too late to save for a pension but the earlier that you do the more you will have in retirement.

Make a Will – around 70% of the population have not made a Will but nearly 100% of people have thought about it and then not got round to doing it. Make this the year that you get your affairs in order.

Therefore for a free independent assessment of your finances please contact Matthew Berry, Chartered Financial Planner of Park Row on 07968 013 895, 01204 364484 or via email on matthew.berry@parkrow.co.uk

Park Row Associates Limited is authorised and regulated by the Financial Services Authority. Park Row Corporate & Private Clients is a trading style to Park Row Associates Limited. Park Row registered office is 5th Floor Gallery House, 125-131 The Headrow, Leeds LS1 5RD.